The City National Bank and Trust Company of Lawton, Oklahoma in Lawton, Oklahoma (OK)
Overview, Financial Summary, Detailed Financial Reports, Branches

The City National Bank and Trust Company of Lawton, Oklahoma - Overview

  • General
  • FDIC Certificate #: 4132
    Status: Active
    Federal Reserve ID: 294751
    Bank Holding Company (Regulatory Top Holder): Jrmb Ii, Inc (RSSDID: 4208961, Location: Lawton, OK)
    Date Established: March 23, 1901
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 37 (Domestic: 37, Interstate: No)
    OTS Docket #: 12091
    FDIC's unique #: 2696
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 500-600 D Avenue, Lawton, OK 73502
    County: Comanche
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Oklahoma City
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Lawton, OK (#4200)
    Core Based Statistical Area (CBSA): Lawton, OK (#30020)
    CBSA Metro Statistical Area: Lawton, OK (#30020)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $287.7 mil
    Equity capital: $37.6 mil
    Deposits held in domestic offices: $245.8 mil
    Return on assets (ROA): 2.31% ($6.7 mil)
    Quarterly return on assets: 2.70% ($7.8 mil)
    Return on Equity (ROE): 17.46% ($6.6 mil)
    Quarterly return on equity: 20.30% ($7.7 mil)
    Net income: $6.4 mil
    Quarterly Net income: $1.9 mil
    Pretax return on assets: 2.31% ($6,644.9 mil)
    Quarterly Pretax return on assets: 2.70% ($7,766.8 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 376Total employees (full-time equivalent)
  • $287,660Total assets
  • $74,358Cash and due from depository institutions
  • $48,675Interest-bearing balances
  • $16,542Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $168,716Net loans & leases
  • $4,263Loan loss allowance
  • $0Trading account assets
  • $8,307Bank premises and fixed assets
  • $1,854Other real estate owned
  • $0Goodwill and other intangibles
  • $287,660Life insurance assets
  • $17,883All other assets
  • $250,044Total liabilities and capital
  • $245,816Total liabilities
  • $177,755Total deposits
  • $245,816Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $4,228Subordinated debt
  • $37,616All other liabilities
  • $37,616Total equity capital
  • $37,616Total bank equity capital
  • $0Perpetual preferred stock
  • $800Common stock
  • $1,150Surplus
  • $35,666Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,481Income earned, not collected on loans
  • $0Earning assets
  • $1,266Long-term assets (5+ years)
  • $233,933Average Assets, year-to-date
  • $59,637Average Assets, quarterly
  • $278,637Volatile liabilities
  • $283,754Insider loans
  • $174,174FHLB advances
  • $282,471Loans and leases held for sale
  • $10,475Unused loan commitments
  • $10,475Tier 1 (core) risk-based capital
  • $36,696Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,790Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,901Total interest income
  • $1,194Total interest expense
  • $9,707Net interest income
  • $2,195Provision for loan and lease losses
  • $24,299Total noninterest income
  • $448Fiduciary activities
  • $17,223Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6,628Additional noninterest income
  • $25,345Total noninterest expense
  • $13,262Salaries and employee benefits
  • $2,267Premises and equipment expense
  • $9,816Additional noninterest expense
  • $6,466Pre-tax net operating income
  • -$41Securities gains (losses)
  • $0Applicable income taxes
  • $6,425Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,425Net income attributable to bank
  • $0Net charge-offs
  • $6,425Cash dividends
  • $1,781Sale, conversion, retirement of capital stock, net
  • $3,855Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.72%Yield on earning assets
  • 0.52%Cost of funding earning assets
  • 4.20%Net interest margin
  • 10.52%Noninterest income to earning assets
  • 10.97%Noninterest expense to earning assets
  • 2.32%Net operating income to assets
  • 2.31%Return on assets (ROA)
  • 2.31%Pretax return on assets
  • 17.46%Return on equity (ROE)
  • 6.98%Retained earnings to average equity (YTD only)
  • 1.03%Net charge-offs to loans
  • 123.25%Credit loss provision to net charge-offs
  • 4.86%Efficiency ratio
  • 74,531Assets per employee
  • 0.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 60.00%Loss allowance to loans
  • 2.46%Loss allowance to noncurrent loans
  • 65.78%Noncurrent assets plus other real estate owned to assets
  • 2.90%Noncurrent loans to loans
  • 3.75%Net loans and leases to deposits
  • 68.64%Net loans and leases to core deposits
  • 70.56%Equity capital to assets
  • 13.08%Core capital (leverage) ratio
  • 12.99%Tier 1 risk-based capital ratio
  • 21.07%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $278,637Average earning assets
  • $36,803Average equity
  • $231,074Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $44,867Managed Assets
  • 1Number of Accounts
  • $34,247Personal trust and agency accounts
  • $9,030Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $24,717Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $500Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 15Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $10,620Other retirement accounts
  • $0Corporate trust and agency accounts
  • $10,620Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 36 Oklahoma Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02696The City National Bank And Trust Company Of Lawton, Oklahoma500-600 D Avenue, Lawton, OK 73502March 23, 1901Full Service Brick and Mortar
    2202315Gore Boulevard Branch4113 West Gore Boulevard, Lawton, OK 73505August 05, 1985Full Service Brick and Mortar
    3202316Walmart Branch1002 Northwest Sheridan Road, Lawton, OK 73505July 02, 1997Full Service Retail
    4202317Country Mart West Branch6734 Nw Cache Road, Lawton, OK 73505Febuary 26, 2000Full Service Retail
    5357106Country Mart East Branch4510 South East Lee Boulevard, Lawton, OK 73501June 22, 2000Full Service Retail
    7359778Okc 59th Branch1500 S.W. 59th Street, Oklahoma City, OK 73119January 31, 2001Full Service Retail
    9359915El Reno Branch2400 S. Country Club Road, El Reno, OK 73036April 18, 2001Full Service Retail
    10361068Duncan Branch1845 N Hw 81, Duncan, OK 73533October 25, 2000Full Service Retail
    11361069Miami Branch2415 N Main Street, Miami, OK 74354Febuary 28, 2001Full Service Retail
    12361070Garnett Branch3116 S Garnett Rd, Tulsa, OK 74146June 06, 2001Full Service Retail
    13361071Memorial & Penn Branch2000 W Memorial Rd, Oklahoma City, OK 73134June 20, 2001Full Service Retail
    14361691164th Branch1101 Nw 164th St, Edmond, OK 73013January 10, 2001Full Service Retail
    15362426Ponca City Branch1101 East Prospect, Ponca City, OK 74601September 26, 2001Full Service Retail
    16362527Riverside Branch9411 S. Delaware Avenue, Tulsa, OK 74137August 08, 2001Full Service Retail
    17362646Bartlesville Branch4000 Green Country Rd, Bartlesville, OK 74006July 18, 2001Full Service Retail
    18363563Santa Fe Branch100 E I-240 Svc Rd, Oklahoma City, OK 73149April 17, 2002Full Service Retail
    19366212Broken Arrow Branch6310 S. Elm Place, Broken Arrow, OK 74011January 22, 2003Full Service Retail
    20427729Wal-Mart West Branch6301 Nw Quannah Parker Trailway, Lawton, OK 73505March 19, 2004Full Service Retail
    21431716Western Branch4420 South Western Avenue, Oklahoma City, OK 73109July 07, 2004Full Service Retail
    22432897Britton Branch9320 North Pennsylvania Avenue, Oklahoma City, OK 73120October 15, 2004Full Service Retail
    23439960Tulsa 81st Branch6606 East 81st Street, Tulsa, OK 74133March 15, 2005Full Service Retail
    24440426Shawnee Branch196 E Shawnee Mall Dr, Shawnee, OK 74804August 25, 2004Full Service Retail
    25441960Walmart Enid Branch5505 W Owen K Garriott Rd, Enid, OK 73703Febuary 15, 2005Full Service Retail
    26451885Chickasha Branch2001 South 1st Street, Chickasha, OK 73018January 31, 2006Full Service Retail
    27452327Del City Branch5401 Tinker Diagonal Street, Del City, OK 73115May 17, 2006Full Service Retail
    28455820Midwest City Branch9011 Ne 23rd St, Oklahoma City, OK 73140July 19, 2006Full Service Retail
    29458795City National Bank, Edmond Branch1225 W I-35 Frontage Rd, Edmond, OK 73013October 20, 2006Full Service Retail
    30463660Bixby Branch10938 South Memorial Drive, Tulsa, OK 74133October 18, 2006Full Service Retail
    31467297Woodland Hills Branch6625 S Memorial Drive, Tulsa, OK 74133October 18, 2006Full Service Retail
    32468113Guthrie Branch1608 South Division, Guthrie, OK 73044August 03, 2007Full Service Retail
    34470159Tulsa Commerce Towers Branch5801 East 41st Street, Tulsa, OK 74135November 14, 2007Full Service Brick and Mortar
    35470547Mustang Branch951 E State Hwy 152, Mustang, OK 73064October 29, 2007Full Service Retail
    36478937Glenpool Branch12200 South Waco, Glenpool, OK 74033May 07, 2008Full Service Retail
    37493278Sf Pointe Branch1425 S Santa Fe Ave, Ste A, Edmond, OK 73003Febuary 17, 2009Full Service Brick and Mortar
    38495380City National Bank - Broken Arrow Ke3900 Hillside Drive, Broken Arrow, OK 74014September 16, 2009Full Service Retail
    39518749Tulsa London Square Branch5800 South Lewis Avenue, Suite 159, Tulsa, OK 74105March 31, 2011Full Service Brick and Mortar

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